OP Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
OP Bancorp has total assets of $2.4B and total equity of $203.6M. Total deposits are $2.1B, and total loans are $1.9B. It earns a Net Interest Margin of 3.4%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $166.9M.
Key information
11.7x
Asset to equity ratio
3.4%
Net interest margin
Total deposits | US$2.06b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.2% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$166.86m |
Recent financial health updates
No updates
Recent updates
OP Bancorp (NASDAQ:OPBK) Is Paying Out A Dividend Of $0.12
Oct 29OP Bancorp (NASDAQ:OPBK) Is Due To Pay A Dividend Of $0.12
Jul 30OP Bancorp (NASDAQ:OPBK) Is Paying Out A Dividend Of $0.12
Apr 30OP Bancorp (NASDAQ:OPBK) Is Due To Pay A Dividend Of $0.12
Jan 29OP Bancorp (NASDAQ:OPBK) Will Pay A Dividend Of $0.12
Aug 01With EPS Growth And More, OP Bancorp (NASDAQ:OPBK) Makes An Interesting Case
Mar 14OP Bancorp: Californian Economy, Interest Rates To Drive Earnings
Sep 30OP Bancorp (NASDAQ:OPBK) Is Increasing Its Dividend To $0.12
Aug 02OP Bancorp raises dividend by 20% to $0.12
Jul 28OP Bancorp: Strong Loan Growth To Drive Earnings This Year
Jul 16If You Like EPS Growth Then Check Out OP Bancorp (NASDAQ:OPBK) Before It's Too Late
Jun 14Open Bancorp: Fast-Growing, Ethnic Focused Bank
Feb 14Forecast: Analysts Think OP Bancorp's (NASDAQ:OPBK) Business Prospects Have Improved Drastically
Feb 02OP Bancorp's (NASDAQ:OPBK) Shareholders Will Receive A Bigger Dividend Than Last Year
Nov 04OP Bancorp (NASDAQ:OPBK) Is Increasing Its Dividend To US$0.10
Jul 26Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OPBK's Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: OPBK has a sufficient allowance for bad loans (634%).
Low Risk Liabilities: 95% of OPBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: OPBK has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: OPBK's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: OPBK has an appropriate level of bad loans (0.2%).
Discover healthy companies
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
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Company Analysis | 2024/12/23 03:36 |
End of Day Share Price | 2024/12/23 00:00 |
Earnings | 2024/09/30 |
Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
Package | Data | Timeframe | Example US Source * |
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Company Financials | 10 years |
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Analyst Consensus Estimates | +3 years |
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Market Prices | 30 years |
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Ownership | 10 years |
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Management | 10 years |
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Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
OP Bancorp is covered by 4 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
Analyst | Institution |
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Gary Tenner | D.A. Davidson & Co. |
null null | D.A. Davidson & Co. |
Christopher McGratty | Keefe, Bruyette, & Woods |